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American Libraries 20

The ARCHIVE.ORG Manual Library 11

The BITSAVERS.ORG Documents Library 9

Defense Technical Information Archive 9

Community Texts 9

Folkscanomy: A Library of Books 8

University of Illinois Urbana-Champaign 8

FEDLINK - United States Federal Collection 7

The Journal of Research of the National Institute of Standards and Technology 7

National Institute of Standards and Technology Research Library 7

California Digital Library 6

NASA Technical Documents 6

MIT OpenCourseWare 5

The BITSAVERS.ORG Documents Library: Massachusetts Institute of Technology 4

The Bell System Technical Journal (1922-1983) 4

Folkscanomy Computer: Books on Computers and Programming 4

The Magazine Rack 4

Community Audio 4

Folkscanomy Science: Books of a Scientific Nature 3

NASA Images 3

The ARCHIVE.ORG Manual Library 11

The BITSAVERS.ORG Documents Library 9

Defense Technical Information Archive 9

Community Texts 9

Folkscanomy: A Library of Books 8

University of Illinois Urbana-Champaign 8

FEDLINK - United States Federal Collection 7

The Journal of Research of the National Institute of Standards and Technology 7

National Institute of Standards and Technology Research Library 7

California Digital Library 6

NASA Technical Documents 6

MIT OpenCourseWare 5

The BITSAVERS.ORG Documents Library: Massachusetts Institute of Technology 4

The Bell System Technical Journal (1922-1983) 4

Folkscanomy Computer: Books on Computers and Programming 4

The Magazine Rack 4

Community Audio 4

Folkscanomy Science: Books of a Scientific Nature 3

NASA Images 3

calculations 24

Numerical calculations 13

press 10

DTIC Archive 9

input 9

calculator 8

data 8

program 6

Calculations 5

SYMPOSIA 5

annual interest 5

calculates 5

cash flow 5

cash flows 5

interest rate 5

print 5

stores 5

FIRST PRINCIPLES CALCULATIONS. 4

additional examples 4

bell system 4

cursor 4

menu 4

mode 4

return 4

standard deviation 4

system technical 4

FIRST PRINCIPLES CALCULATIONS 3

algorithms, efficient algorithms, sorting, search trees, heaps, hashing, divide-and-conquer, dynamic programming, amortized analysis, graph algorithms, shortest paths, network flow, computational geometry, number-theoretic algorithms, polynomial and matrix calculations, caching, parallel computing 3

calculation 3

call 3

cash 3

clr data 3

comp mode 3

display 3

example 3

flow 3

gosub 3

goto 3

hydrides 3

memory 3

menu labels 3

programs 3

propagation 3

scattering 3

*CARBON NANOTUBES 2

*FIRST PRINCIPLES CALCULATIONS 2

Conditions 2

DENSITY FUNCTIONAL THEORY 2

Electronic digital computers 2

Energy 2

Glider 2

Illiac computer 2

Lift 2

Matrices 2

Moon 2

NASA Sci Files 2

OPTIMIZATION 2

Physics 2

STABILITY CALCULATIONS 2

Testing 2

Wright Brothers 2

ab initio calculations 2

angle unit 2

annual effective 2

antenna 2

battery 2

btl 2

calculator displays 2

call clear 2

call sound 2

clear screen 2

clock 2

color 2

color computer 2

command 2

crystal 2

diagrams 2

diatomic 2

displays 2

energy 2

enter 2

enters 2

equation 2

equation solver 2

exponential notation 2

field 2

file 2

frequency 2

function 2

gaussian 2

graph 2

homework helpers 2

indicator appears 2

input range 2

interest 2

key 2

layer 2

lines marked 2

math competency 2

mhz 2

money calculations 2

national semiconductor 2

parentheses 2

population standard 2

print data 2

print option 2

quadratic regression 2

quick calculations 2

randomly choose 2

rate 2

regression 2

regression formula 2

sample standard 2

scientific function 2

sets payments 2

solver 2

spaces 2

theory 2

turn power 2

voltage 2

wave 2

$519 1

& 1

*ALUMINUM OXIDES 1

*CHEMISORPTION 1

*COMBUSTION 1

*COMPUTER PROGRAMS 1

*COMPUTERIZED SIMULATION 1

*CRYSTAL STRUCTURE 1

*DECOMPOSITION 1

*DENSITY FUNCTIONAL THEORY 1

*DIESEL ENGINES 1

*ELECTRICAL CONDUCTIVITY 1

*ELECTRON TRANSPORT 1

*FAR INFRARED RADIATION 1

*FUEL INJECTION 1

*FUELS 1

*MOLECULAR DYNAMICS 1

*NITROMETHANE 1

*PREDICTIONS 1

*QUANTUM ELECTRONICS 1

*QUANTUM THEORY 1

*SEMICONDUCTOR DIODES 1

*SIMULATION 1

*SOLID STATE ELECTRONICS 1

*SPACE LAUNCHED 1

. 1

000 Annual Interest Rate: 15% Monthly Payment: $1 1

000 as a comparison loan amount 1

000 borrowed! Here again the total interest cost is the total payments to be made (360 x $1 1

000 borrowed. The total interest cost is the total payments (360 months x $599.55 = $215 1

000 borrowed? Or is there something more but which bankers never talk about publicly? Again the example is a $100 1

000 debt over 30 years is $2 1

000 for each $100 1

000 in interest is leveraged by the nominal method into a 30 year debt costing $653 1

000 in interest! (tables to show the data are provided by Tim 1

000 loan repaid over 30 years and at a "nominal" 15% per annum the required monthly payment is $1 1

000 loan requires 18.68 years to pay off based on monthly payments of $1 1

000 loan requires 28.67 years to pay off with monthly payments of $599.55. If the lender uses the nominal method 1

000 loan. If you signed the same document at a U.S. bank 1

000 loan. One is 93% more expensive than the other. The issue is no more or less than that. Nominal Method error is exponential or geometric In the U.S. 1

000 millions of initial capital 1

000 mortgage. Again 1

000 mortgage. If the lender claims that the stated 15% per annum is nominal and not real 1

000 or 98% will be retained by the financial middleman that makes its profit on the spread between interest money collected from borrowers and that paid out to depositors. The use of the nominal method can easily triple or quadruple the inherent profitability of the banking/credit business even after an allowance is made for greater defaults. At a nominal 60% per annum 1

000% and not 180% - a thousand-to-one difference in magnitude? It is precisely analogous (height-wise) to not being able to tell the difference between a child's doll house and the Empire State Building! The concurrent paradox is as to how the bogus “nominal” interest calculation methodology that is prohibited and criminalized in the U.K. under the Consumer Credit Act of 1974 (and multiple U.K. Criminal Code statutes) 1

000% on a payday loan as somewhere between 180% and 850% and virtually no one notices. It is arguably the single most important determinant-in-fact of their quality of life and the masses are looking straight at the Empire State Building and being told that it is a child's doll house. Yet they have no clue even that there is something wrong with the numbers. We have truly been made innumerate. There was one government (or government sponsored) study that I came across related to the payday loan industry where it was suggested 1

000% per annum. It is a fairly simple calculation and easily verifiable.[1] So what is it about the mind that allows us to function in a world where there is no more real determinant of our quality of life than interest generally 1

000) and a fixed monthly payment amount ($599.55) the only way to measure the extra cost in dollars is by the time (and total payments) required to pay off the debt/contract (the amortization period). At a real 6% per annum a $100 1

000) with the result being $115 1

000) with the result being $355 1

000. The effect is absolutely breathtaking. This is no mere technicality 1

10% per annum 1

135 at 15%). Mathematically 1

135 gained from borrowers over the 30 year period only $10 1

135 greater) based on a nominal rate of 15% (vastly more if the overpayments on the mortgage were applied entirely to credit card debt). At 6% the foregone interest on the overpayments is only the $662 difference between $9 1

135 less (or investment earnings $519 1

189.46 1

198 for a $100 1

198 over 30 years. One is 93% more expensive than the other. And the Congress calls it consumer protection! In summary and conclusion 1

198) minus the principal sum loaned ($100 1

198. Now the $171 1

198. What may appear to be a near trivial difference is actually a form of mathematically engineered leverage which increases the total cost of borrowing (cost of the contract) by 93% at a stated interest rate of 15% per annum. A mortgage or any term loan is designed with the monthly payment amount determined so as to be just slightly more than the initial (first month's) interest cost so that the loan will take 30 years (or whatever desired amortization period) to pay off. By using the nominal method 1

2 here. How can something as manifestly important as a certain way that financial institutions calculate the amount of interest due from borrowers be recognized and prohibited as criminal fraud in the U.K. 1

2010 We hold these Truths to be self-evident... Tim Madden is an economist with expertise on credit and banking. Tim and I are colleagues in lobbying government for public banking 1

226 or about 2% will find its way into the accounts of depositors. The remaining $509 1

226. The overpayments with interest 1

243 or about $84 million per initial $100 1

264.44 = $455 1

264.44 If you sign in the U.K. you have undertaken to pay $283 1

264.44 If you signed in the U.K. 1

264.44 per month or $171 1

264.44. If interest were at a real 15% per annum 1

264.44. If the lender uses the nominal method 1

264.55 on a $100 1

293 for a $100 1

293 over 18.68 years. If you sign in the U.S. you have undertaken to pay $455 1

3-digit number 1

3D laser scanning 1

3d 1

Numerical calculations 13

press 10

DTIC Archive 9

input 9

calculator 8

data 8

program 6

Calculations 5

SYMPOSIA 5

annual interest 5

calculates 5

cash flow 5

cash flows 5

interest rate 5

print 5

stores 5

FIRST PRINCIPLES CALCULATIONS. 4

additional examples 4

bell system 4

cursor 4

menu 4

mode 4

return 4

standard deviation 4

system technical 4

FIRST PRINCIPLES CALCULATIONS 3

algorithms, efficient algorithms, sorting, search trees, heaps, hashing, divide-and-conquer, dynamic programming, amortized analysis, graph algorithms, shortest paths, network flow, computational geometry, number-theoretic algorithms, polynomial and matrix calculations, caching, parallel computing 3

calculation 3

call 3

cash 3

clr data 3

comp mode 3

display 3

example 3

flow 3

gosub 3

goto 3

hydrides 3

memory 3

menu labels 3

programs 3

propagation 3

scattering 3

*CARBON NANOTUBES 2

*FIRST PRINCIPLES CALCULATIONS 2

Conditions 2

DENSITY FUNCTIONAL THEORY 2

Electronic digital computers 2

Energy 2

Glider 2

Illiac computer 2

Lift 2

Matrices 2

Moon 2

NASA Sci Files 2

OPTIMIZATION 2

Physics 2

STABILITY CALCULATIONS 2

Testing 2

Wright Brothers 2

ab initio calculations 2

angle unit 2

annual effective 2

antenna 2

battery 2

btl 2

calculator displays 2

call clear 2

call sound 2

clear screen 2

clock 2

color 2

color computer 2

command 2

crystal 2

diagrams 2

diatomic 2

displays 2

energy 2

enter 2

enters 2

equation 2

equation solver 2

exponential notation 2

field 2

file 2

frequency 2

function 2

gaussian 2

graph 2

homework helpers 2

indicator appears 2

input range 2

interest 2

key 2

layer 2

lines marked 2

math competency 2

mhz 2

money calculations 2

national semiconductor 2

parentheses 2

population standard 2

print data 2

print option 2

quadratic regression 2

quick calculations 2

randomly choose 2

rate 2

regression 2

regression formula 2

sample standard 2

scientific function 2

sets payments 2

solver 2

spaces 2

theory 2

turn power 2

voltage 2

wave 2

$519 1

& 1

*ALUMINUM OXIDES 1

*CHEMISORPTION 1

*COMBUSTION 1

*COMPUTER PROGRAMS 1

*COMPUTERIZED SIMULATION 1

*CRYSTAL STRUCTURE 1

*DECOMPOSITION 1

*DENSITY FUNCTIONAL THEORY 1

*DIESEL ENGINES 1

*ELECTRICAL CONDUCTIVITY 1

*ELECTRON TRANSPORT 1

*FAR INFRARED RADIATION 1

*FUEL INJECTION 1

*FUELS 1

*MOLECULAR DYNAMICS 1

*NITROMETHANE 1

*PREDICTIONS 1

*QUANTUM ELECTRONICS 1

*QUANTUM THEORY 1

*SEMICONDUCTOR DIODES 1

*SIMULATION 1

*SOLID STATE ELECTRONICS 1

*SPACE LAUNCHED 1

. 1

000 Annual Interest Rate: 15% Monthly Payment: $1 1

000 as a comparison loan amount 1

000 borrowed! Here again the total interest cost is the total payments to be made (360 x $1 1

000 borrowed. The total interest cost is the total payments (360 months x $599.55 = $215 1

000 borrowed? Or is there something more but which bankers never talk about publicly? Again the example is a $100 1

000 debt over 30 years is $2 1

000 for each $100 1

000 in interest is leveraged by the nominal method into a 30 year debt costing $653 1

000 in interest! (tables to show the data are provided by Tim 1

000 loan repaid over 30 years and at a "nominal" 15% per annum the required monthly payment is $1 1

000 loan requires 18.68 years to pay off based on monthly payments of $1 1

000 loan requires 28.67 years to pay off with monthly payments of $599.55. If the lender uses the nominal method 1

000 loan. If you signed the same document at a U.S. bank 1

000 loan. One is 93% more expensive than the other. The issue is no more or less than that. Nominal Method error is exponential or geometric In the U.S. 1

000 millions of initial capital 1

000 mortgage. Again 1

000 mortgage. If the lender claims that the stated 15% per annum is nominal and not real 1

000 or 98% will be retained by the financial middleman that makes its profit on the spread between interest money collected from borrowers and that paid out to depositors. The use of the nominal method can easily triple or quadruple the inherent profitability of the banking/credit business even after an allowance is made for greater defaults. At a nominal 60% per annum 1

000% and not 180% - a thousand-to-one difference in magnitude? It is precisely analogous (height-wise) to not being able to tell the difference between a child's doll house and the Empire State Building! The concurrent paradox is as to how the bogus “nominal” interest calculation methodology that is prohibited and criminalized in the U.K. under the Consumer Credit Act of 1974 (and multiple U.K. Criminal Code statutes) 1

000% on a payday loan as somewhere between 180% and 850% and virtually no one notices. It is arguably the single most important determinant-in-fact of their quality of life and the masses are looking straight at the Empire State Building and being told that it is a child's doll house. Yet they have no clue even that there is something wrong with the numbers. We have truly been made innumerate. There was one government (or government sponsored) study that I came across related to the payday loan industry where it was suggested 1

000% per annum. It is a fairly simple calculation and easily verifiable.[1] So what is it about the mind that allows us to function in a world where there is no more real determinant of our quality of life than interest generally 1

000) and a fixed monthly payment amount ($599.55) the only way to measure the extra cost in dollars is by the time (and total payments) required to pay off the debt/contract (the amortization period). At a real 6% per annum a $100 1

000) with the result being $115 1

000) with the result being $355 1

000. The effect is absolutely breathtaking. This is no mere technicality 1

10% per annum 1

135 at 15%). Mathematically 1

135 gained from borrowers over the 30 year period only $10 1

135 greater) based on a nominal rate of 15% (vastly more if the overpayments on the mortgage were applied entirely to credit card debt). At 6% the foregone interest on the overpayments is only the $662 difference between $9 1

135 less (or investment earnings $519 1

189.46 1

198 for a $100 1

198 over 30 years. One is 93% more expensive than the other. And the Congress calls it consumer protection! In summary and conclusion 1

198) minus the principal sum loaned ($100 1

198. Now the $171 1

198. What may appear to be a near trivial difference is actually a form of mathematically engineered leverage which increases the total cost of borrowing (cost of the contract) by 93% at a stated interest rate of 15% per annum. A mortgage or any term loan is designed with the monthly payment amount determined so as to be just slightly more than the initial (first month's) interest cost so that the loan will take 30 years (or whatever desired amortization period) to pay off. By using the nominal method 1

2 here. How can something as manifestly important as a certain way that financial institutions calculate the amount of interest due from borrowers be recognized and prohibited as criminal fraud in the U.K. 1

2010 We hold these Truths to be self-evident... Tim Madden is an economist with expertise on credit and banking. Tim and I are colleagues in lobbying government for public banking 1

226 or about 2% will find its way into the accounts of depositors. The remaining $509 1

226. The overpayments with interest 1

243 or about $84 million per initial $100 1

264.44 = $455 1

264.44 If you sign in the U.K. you have undertaken to pay $283 1

264.44 If you signed in the U.K. 1

264.44 per month or $171 1

264.44. If interest were at a real 15% per annum 1

264.44. If the lender uses the nominal method 1

264.55 on a $100 1

293 for a $100 1

293 over 18.68 years. If you sign in the U.S. you have undertaken to pay $455 1

3-digit number 1

3D laser scanning 1

3d 1

defense technical information center 9

mit opencourseware 4

descloux, j 2

nasa larc office of education 2

a. greer & w.h. howell 1

arthur p. cracknell 1

boelter, l m k 1

brown, r.l. 1

burt, henry jackson, b. 1873 1

crandall, c. l. (charles lee), 1850-1917 1

dave murphy 1

dearborn foundry company, chicago 1

descloux, jean joseph 1

dill, carl 1

faddeeva, v. n 1

fausto mauricio lagos suarez 1

frivolous calculations / dyslexic fudgicle 1

g. peter lepage 1

golub, gene h. (gene howard), 1932-2007 1

heaslet, max a 1

mit opencourseware 4

descloux, j 2

nasa larc office of education 2

a. greer & w.h. howell 1

arthur p. cracknell 1

boelter, l m k 1

brown, r.l. 1

burt, henry jackson, b. 1873 1

crandall, c. l. (charles lee), 1850-1917 1

dave murphy 1

dearborn foundry company, chicago 1

descloux, jean joseph 1

dill, carl 1

faddeeva, v. n 1

fausto mauricio lagos suarez 1

frivolous calculations / dyslexic fudgicle 1

g. peter lepage 1

golub, gene h. (gene howard), 1932-2007 1

heaslet, max a 1

University of Illinois Urbana-Champaign

by
Descloux, Jean Joseph

University of Illinois Urbana-Champaign

by
Koo, Ping L; Atkins, Daniel E; Goyal, Lakshmi N

Community Texts

by
ISAAC (Conference); Aggarwal, Alok; Pandu Rangan, C., 1955-

California Digital Library

by
Williams, A. H. T; Cullers, W. H

University of Illinois Urbana-Champaign

by
Koo, Ping-ling; Atkins, Daniel Ewell

University of Illinois Urbana-Champaign

by
Descloux, J; University of Illinois (Urbana-Champaign campus). Digital Computer Laboratory; National Science Foundation (U.S.)

University of Illinois Urbana-Champaign

by
Descloux, J; University of Illinois (Urbana-Champaign campus). Digital Computer Laboratory; National Science Foundation (U.S.)

University of Florida - Retrospective Dissertation Scanning Project

by
Shiau, Nae-Haur Eric

Community Texts

by
Hoffmann, K. H. (Karl Heinz), 1953-; Schreiber, Michael, 1954-

California Digital Library

by
Taylor, (John) & Co., San Francisco

California Digital Library

by
Crandall, C. L. (Charles Lee), 1850-1917

University of Illinois Urbana-Champaign

by
T'ang, Chien-hui, 1934-; Lo, Yüan-chih, 1920- joint author; University of Illinois at Urbana-Champaign : Antenna Laboratory, Electrical Engineering Research Laboratory, Engineering Experiment Station

University of Illinois Urbana-Champaign

by
Golub, Gene H. (Gene Howard), 1932-2007; University of Illinois at Urbana-Champaign. Graduate College. Digital Computer Laboratory; University of Illinois at Urbana-Champaign. Dept. of Computer Science

The BITSAVERS.ORG Documents Library: Massachusetts Institute of Technology

The Journal of Research of the National Institute of Standards and Technology

by
Sugar, J.; Kaufman, V.; Spector, N.

The Journal of Research of the National Institute of Standards and Technology

California Digital Library

by
Burt, Henry Jackson, b. 1873

The BITSAVERS.ORG Documents Library: Massachusetts Institute of Technology

California Digital Library

by
Dearborn foundry company, Chicago; Smith, Thomas, 1848-

The Journal of Research of the National Institute of Standards and Technology

by
Mies, F.H.; Williams, C.J.; Krauss, M.; Julienne, P.S.

The Journal of Research of the National Institute of Standards and Technology

by
Paule, R.C.; Marinenko, G.; Knoerdel, M.; Koch, W.F.

The BITSAVERS.ORG Documents Library: Massachusetts Institute of Technology

The Journal of Research of the National Institute of Standards and Technology

The Journal of Research of the National Institute of Standards and Technology

by
Brown, R.L.

The Journal of Research of the National Institute of Standards and Technology

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